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A useful application could probably be kept to four parts: current location, earliest start date, strongest area of property work, and one example of keeping multiple parties aligned. Candidates should avoid making assumptions about seniority until the reporting line, team size, and...

Agreed on showing both. One useful addition is a break-even calculation for the arrangement fee: how long must the lower-rate offer remain in place before its interest savings recover the larger upfront fee? That makes the trade-off much clearer than comparing percentages alone.

I partly disagree with using the expected ownership period as the main comparison. People often stay longer than planned, and the cheapest five-year scenario can hide a costly later period. I would start with the full contractual cash flows, then treat an earlier sale or refinance as an...

I wouldn’t dismiss the 35 days merely because it comes from April. The contrast between ready-to-occupy homes and properties needing work is at least a plausible sign of selectivity. What it does not establish is whether prices are weakening. A 3.6% asking-to-sale difference could reflect...